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随着电子商务的迅速发展,第三方支付平台也逐渐的走入了越来越多人的生活。第三方支付平台是指通过互联网等支付系统,利用与各大银行签约的方式,为交易当事人提供支付结算系统接口,实现买方与卖方之间货币资金转移的,具有一定信誉保障的独立机构。但是由与第三方支付平台在我国兴起时间较短,其仍存在着以下几点不足:第三方支付平台法律定位模糊,监管主体与监督方式过于单一,沉淀资金难题,用户权益保障机制的缺失。对此,本文有针对性地给出了以下几点完善我国第三方支付平台法律监管的指导性建议:明晰平台法律定位,进一步丰富监管主体及监督方式,明确沉淀资金的相关规定,进一步完善用户权益保障机制。希望可以对完善我国第三方支付平台的法律监管有所帮助。
With the rapid development of e-commerce, third-party payment platform has gradually entered more and more people’s lives. The third-party payment platform refers to an independent organization that has certain reputation and guarantee through the payment system such as the Internet and the signing of contracts with major banks to provide the parties to the transaction with a payment and settlement system interface and to realize the transfer of monetary funds between the buyer and the seller. However, the third party payment platform has a short rise time in our country. There are still some problems as follows: the legal position of the third party payment platform is vague, the supervision subjects and supervision methods are too single, the capital problems are precipitated, and the lack of protection mechanisms for users’ rights and interests exists. In this regard, this article gives the following suggestions to improve the legal supervision of China’s third-party payment platform: clarify the legal position of the platform, further enrich the regulatory body and supervision methods, clarify the relevant provisions of the capital settlement, and further improve the user Equity protection mechanism. Hope that it can improve the legal supervision of third-party payment platform in our country.